All the while before I know about travel insurance, I never thought of any unforeseen event or incident that might be waiting for me during my trip in overseas. Honestly, I don't think that it would be so worth it until I've done a few claims on a few trips of mine.
Back in 2011, I didn't even bother to care about travel insurance for my first self-guided 2 weeks trip to Taiwan, or I should say that I don't even know it exists :D I learned about travel insurance from my parents during our family trip to New Zealand in 2013, by then I starting to understand why my parents wanted to be insured during the trip.